State credit union · Phoenix, Arizona · NCUA charter #62881
Arizona Central
Health score 66/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 66
- Health / 100
- $722.4M
- Total assets
- 47,159
- Members
- 8.6%
- Net-worth ratio
Arizona Central scores 66/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $722.4M; members 47,159; net-worth ratio 8.62%; health rank #3,837 of 4,374; healthier than 12th of scored peers.
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#3,837 of 4,374 health · 2025Q4Arizona Central · health 66/100 · $722.4M · 2025Q4
Call Report peers
Arizona Central in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Arizona Central vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Arizona Central sits in 65-69 with 275 others.
66 12th percentile higher than 12% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Arizona Central: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 93.58% vs peer 83.90% (+9.68 pp).
- Net Worth Ratio trails the peer set - 8.62% here, 11.18% peer average (-2.56 pp).
Arizona Central in Arizona
- Health composite ranks #30 of 33 among scored Arizona credit unions.
- By total assets, Arizona Central is #11 of 33 in Arizona.
- Member book place in Arizona: #10 of 33.
- One place up in Arizona, HUGHES (#29) scores 67/100, 1 point higher; one place down, Mohave Community (#31) scores 65/100, 1 point lower.
How Arizona Central's 5300 filing moved
Arizona Central: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.6% from $722.4M (2025Q4) to $733.7M (2026Q1).
- Net-worth ratio shifted -0.05 pp (8.67% → 8.62%).
8.62% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 66/100 score is built
Arizona Central gives up 34 points in total. Member Growth costs the most, 15 of its 15; Loan-to-Share Ratio loses the least, 1.6.
- Net Worth Ratio 26.6 pts
- Delinquency Rate 23.1 pts
- Return on Assets 2.6 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 13.7 pts
Call Report ratios for Arizona Central
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.62% | -2.56 pp |
| Delinquency Rate | 0.69% | -0.18 pp |
| Return on Assets | -0.21% | -0.72 pp |
| Member Growth | -6.77% | - |
| Loan-to-Share Ratio | 93.58% | +9.68 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Call Report history - Arizona Central
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $733.7M | - |
| 2025Q4 | $722.4M | 47,159 |
| 2024Q4 | $688.9M | 50,582 |
| 2023Q4 | $743.2M | 99,685 |
Credit Union Details
- Charter Number
- 62881
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Arizona
- City
- Phoenix
- Data Quarter
- 2025Q4
Branch Locations (11)
Arizona Central operates 11 offices across 8 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| 2020 Corporate Offices (Main Office) | Phoenix, AZ |
| CHANDLER #5 | CHANDLER, AZ |
| FLAGSTAFF #4 | FLAGSTAFF, AZ |
| WOODLANDS #10 | FLAGSTAFF, AZ |
| BELL #6 | GLENDALE, AZ |
| GLENDALE #9 | GLENDALE, AZ |
| 2020 BRANCH #1 | PHOENIX, AZ |
| Iron Mountain | Phoenix, AZ |
| SHOWLOW #16 | SHOW LOW, AZ |
| Tempe #3 | Tempe, AZ |
| INA #7 | TUCSON, AZ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Arizona
Other federally-insured credit unions in Arizona, closest first by peer group and asset size.
Other-state peers near Arizona Central
Using this data
- Arizona Central ranks #3,837 of 4,374 nationally on financial health and #30 of 33 in AZ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- FIRST is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with FIRST
Frequently Asked Questions
Is Arizona Central financially healthy?
On its 2025Q4 NCUA 5300 filing, Arizona Central scores 66/100 (Good), with a 8.62% net worth ratio and 0.69% of loans delinquent. It ranks #3,837 of 4,374 nationally on health and #30 of 33 in Arizona.
How does Arizona Central compare to other credit unions?
Arizona Central scores 66/100, higher than 12% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (93.58% vs 83.90%). Its widest shortfall is net worth ratio (8.62% vs 11.18%).
How can I join Arizona Central?
Membership eligibility for Arizona Central depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Arizona Central directly for current membership requirements and application steps.
Is my money safe at Arizona Central?
Arizona Central is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Arizona Central's net worth ratio of 8.62% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.